CFG Stock Analysis: Buy, Sell, or Hold?
CFG - Citizens Financial Group, Inc.
$67.99
0.91 (1.36%)
▲
5d:
+0.5%
30d:
+8.21%
90d:
+19.24%
HOLD
MODERATE Confidence
Analysis Updated: Jun 22, 2026 12:00 AM ET
Earnings: Jul 16, 2026
22d
Smart Money Distribution
None View Scanner →
Strength: 6.3/10
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CFG is fairly valued with market pricing in 1.0% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CFG is fairly valued with market pricing in 1.0% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$124.07
Based on 13.7% avg growth
INTRINSIC VALUE TODAY
$77.04
11.7% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CFG is currently trading at $67.99, which is considered extended relative to its 30-day fair value range of $61.62 to $66.21. The stock's valuation (Forward PE: 10.6) is in line with its historical norms (10.3). At these levels, the market is pricing in 1.0% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, CFG is in a strong uptrend. The price is approaching resistance at $68.75. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CFG has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, CFG is in a strong uptrend. The price is approaching resistance at $68.75. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CFG has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$61.62 -
$66.21
Company Quality Score
66/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
Protect Your Profits
Holding CFG? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($72.91)
- NEUTRAL: Market pricing in 1.0% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$61.62 -
$66.21
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$63.79
Resistance Level
$68.75
Current Trend
Strong Uptrend
Technical data as of
Jun 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.61
Wall Street Target
$72.91
(+7.2%)
Revenue Growth (YoY)
13.8%
Earnings Growth (YoY)
46.8%
Profit Margin
25.1%
Valuation Premium vs History
+1.0% premium
PE vs Historical
10.6 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.0%
(market-implied from PE analysis)
1-Year Target
$68.67
(+1%)
2-Year Target
$69.36
(+2%)
3-Year Target
$70.05
(+3%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$68.03
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 23.3%)
$261.64
(+285%)
Base:
(SPY PE: 10.6, Growth: 23.3%)
$127.40
(+87%)
Bear:
(PE: 9.0, Growth: 23.3%)
$108.29
(+59%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 15.90 | Current EPS (TTM): $4.22
Bull Case
$112.10
(+65%)
Analyst growth 51.9%, PE expands to 17.5
Base Case
$101.91
(+50%)
Market implied 51.9%, PE stable at 15.9
Bear Case
$45.61
(-33%)
Severe decline -20.0%, PE contracts to 13.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 23, 2026 5:48 AM ET
Data refreshes hourly during market hours. Next update: 6:48 AM
Data refreshes hourly during market hours. Next update: 6:48 AM
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Technical Signals Check
Is CFG showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Susan Lamonica
SELL
13258 shares
2026-03-11
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